You can generally use your Chime Credit Builder card even if you have no (or very thin) credit history, but there are a few important conditions and limits to keep in mind.

What “with no credit” really means

  • Chime does not do a traditional credit check when you apply for the Credit Builder / Chime Card, so you don’t need an existing credit score to be approved.
  • Instead, you usually must first:
    • Open a Chime checking account.
* Receive at least one qualifying direct deposit (often $200 or more from an employer, benefits, or gig work) into that account before you can get the card.

In other words: no credit history is fine, but no income/qualifying deposit usually is not.

How the Chime Credit Builder / Chime Card works

  • It’s a secured, no-interest card that uses the money you move into the card account as your spending power; you’re spending your own money, not getting a big line of credit.
  • There are:
    • No annual fees.
* No interest charges on purchases.

* No minimum traditional “security deposit” like old-school secured cards, though you must fund the card from your Chime account before you can spend.

Once active, Chime reports your on‑time payments to the major credit bureaus (Experian, Equifax, TransUnion), which can help you build credit from scratch over time if you pay on time.

Using it “with no …” (likely “no credit” or “no money”)

Because the title you shared cuts off at “withno…”, here are the most common interpretations and how they work:

1. With no credit history

  • Yes, it’s designed specifically for people with no or poor credit.
  • After several months of consistent use and on‑time payments, many users start to generate a score and see gradual improvements, especially when they keep other debts low and pay everything on time.

2. With no money loaded on the card

  • You cannot spend if you haven’t moved money onto the card from your Chime checking account; the available amount is only what you’ve added.
  • Some people preload a small fixed amount and use it for predictable things like subscriptions or gas to keep it simple.

3. With no hard inquiry / no credit check

  • Applying does not add a hard inquiry to your credit report, so there’s no short‑term score drop from the application itself.

Quick best‑practice tips for using it

  • Turn on “Safer Credit Building” so Chime automatically uses your card funds to pay the statement in full each month, which supports positive payment history.
  • Start with small, regular purchases (like one streaming subscription or your phone bill) you know you can cover, then let the auto‑pay feature handle them.
  • Keep other credit lines (if you have them) low on utilization, since those do report limits and usage more traditionally.

Simple table: what you can do “with no…”

[1][7][9][5] [7][10][1][5] [8][5] [1][5][7]
Situation Can you use Chime Credit Builder? Key detail
No credit history Yes No credit check; designed to help build history with on‑time payments.
No hard inquiry Yes Application does not create a hard pull.
No money loaded No You must transfer funds from your Chime account to spend.
No annual fee Yes $0 annual fee and no interest on purchases.
If you tell me the full phrase after “withno…” (for example, “with no job,” “with no money,” or “with no credit history”), I can tailor this directly to your exact situation.